DebtHero.com

Terms & Conditions

Thank you for using DebtHero.com’s website. Access to and use of DebtHero.com’s sites are provided subject to the following Terms of Service:

These Terms of Service apply to this website, and DebtHero.com. In addition, DebtHero.com owns several other domain names that point to this site, and we will from time to time add new sites (collectively, "we", "us" or "our" websites") that may or may not be listed in the Terms of Service.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY, AS YOUR USE OF THIS SITE, ITS SERVICES AND ANY OTHER DEBTHERO.COM SERVICES CONSTITUTES ACCEPTANCE OF THESE TERMS OF SERVICE AND THE PRIVACY POLICY POSTED ON THIS SITE WHICH TERM AND CONDITIONS ARE INCORPORATED HEREIN AS THOUGH FULLY SET FORTH BY REFERENCE. BY ACCESSING OR USING ANY PART OF THE WEB SITE OR THESE SERVICES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THESE TERMS OF SERVICE. IF YOU DO NOT AGREE WITH ALL OF THE TERMS OF SERVICE SET FORTH BELOW, YOU MAY NOT USE ANY PORTION OF THE WEB SITE OR THESE SERVICES.

DebtHero.com may, in its sole discretion, modify or revise these Terms of Service at any time by updating this web page. You are bound by any such modification or revision and should therefore visit this page periodically to review the terms.

1. SERVICES
DebtHero.com provides a matching service that allows you to input your information once and receive quotes or calls from one or more people/organizations to provide you a convenient, fast method for evaluating your options and making informed decisions relating to a particular service that is being advertised. We do not offer or provide these counseling or financial services, and there is no charge to consumers for the use of our matching service. By using this service, you expressly waive any claim against us relating to the quality of any services we match you with, and understand that we are not responsible for the quality of any services you ultimately select.
By using our service and providing your personal contact information, you agree that one or more of our suggested matching companies may contact you by email, telephone, mail or other methods of communication. You request and expressly consent to receive such calls from up to ten independent providers of the services we match you with, regardless of whether your contact information appears on any federal or state No Call Registry. Your information may also be sent to other service providers who may also contact you independent of us.
We seek to connect consumers with companies that provide a variety of debt or credit-related services. Statements relating to potential results from these services may apply to one type of service but not another. This includes, but is not necessarily limited to, claims regarding: amount of or time frames for debt reduction, reduction of fees, interest and interest rates. Debt reduction is accomplished by matching consumers with programs that can help them save funds to eventually reduce unsecured debts. Claims regarding potential reduction in payments refer to the aggregate of all payments, and not a reduction in individual monthly payments. None of these services assume or pay your debts for you. With the exception of the initial consultation, debt related services are not free. Not all consumers may be eligible for debt reduction.
Any financial or other relationship entered into between you and any third party that arose from information received or accessed through this Web Site or DebtHero.com is solely between you and the third party. DebtHero.com is not a party to your agreements and you assume sole liability for any such agreements. We are not responsible for any transaction that may occur between you or your company and a DebtHero.com client.
The specialists are from companies or industries that may require licensing, bonding or registration in order to lawfully do business in your state. We encourage you to check with the appropriate agency to be certain any requirements are being met. The Federal Trade Commission publishes articles at www.ftc.gov that you are encouraged to read, including: http://www.ftc.gov/bcp/conline/pubs/credit/kneedeep.htm. Individual program results may vary, and programs may not be available in all states.
Should you have a dispute with any of DebtHero.com’s suppliers/vendors that you are matched with, you must address such dispute to the supplier/vendor directly, and by using this website you hereby agree to release DebtHero.com (and our employees, agent, and affiliated entitles if any and their employees and agents) from any damages or claims (including consequential and incidental damages) of every kind or nature, suspected and unsuspected, known and unknown, and disclosed or undisclosed, arising out of or in any way connected with such disputes and your dealings with individuals or organizations.
We value our integrity and as a company and individuals, we are committed to providing you with a positive experience. If for any reason, you are not completely satisfied with our service, please contact us via email at admin@DebtHero.com to discuss your concerns.

2. NO FINANCIAL ADVICE
We do not provide tax, legal or investment advice. Debt or credit related services may or may not meet your needs, and may involve risk. Creditors may continue debt collection efforts, including phone calls, letters, collection agency referrals and lawsuits. Your credit score may be adversely affected. Always seek financial advice from qualified financial and legal advisors, and read and understand all enrollment materials carefully. DebtHero.com does not guarantee the safety or legality of the information provided or the products and services sold. You should exercise as much caution as you would typically exercise with any purchase of products of services.
The information contained at our Web Site and/or any advice or comments made by any agent or employee of DebtHero.com are intended only to educate and assist clients, applicants, visitors, and the like, in various areas of finance, including credit and debt management. This information is provided for informational purposes only and is not meant to be a substitute for professional counseling and advice from certified legal or financial professionals. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you.

3. YOUR USE OF DEBTHERO.COM SERVICES
You agree that by entering your personal information and submitting it to DebtHero.com, you are entering into a business relationship with DebtHero.com, requesting that it distribute your information to its contracted marketing partners, and you expressly consent and request to be contacted by DebtHero.com, its employees, representatives, agents and third party contracted vendors with promotions and offers relating to your request for financial and counseling assistance even if the entered telephone number is currently on a federal, state, or wireless Do Not Call list. By submitting your personal information, you expressly consent to be contacted by DebtHero.com and it’s contracted marketing partners. It is expressly understood that these contacts, telephone calls, emails, letters, and faxes are being made pursuant to your request for such communications. These contacts are necessary so that that we may provide the services set forth on our site that you requested, to service your account, to reasonably address matters pertaining to your account or for other reasonable purposes related to our business.
It is agreed that your use of DebtHero.com services is for purchasing purposes and not for any other purpose including advertising or competitive intelligence. You acknowledge that DebtHero.com screens your requests and has the right (but not the obligation) in our sole discretion to deny any request that is in violation of these Terms of Service.
If it is determined or suspected by DebtHero.com in its sole discretion that you are misusing or attempting to misuse or circumvent the DebtHero.com services or system, or are using or attempting to use it for any inappropriate purposes, including but not limited to activities such as hacking, fraud, advertising, or spamming, DebtHero.com reserves the right, in its sole discretion, to immediately terminate your access without notice and to instigate without notice appropriate legal actions or proceedings to seek appropriate remedies and/or damages, including but not limited to lost revenue, repairs, legal fees, costs and expenses, and to seek injunctions or other equitable remedies.

4. INFORMATION YOU PROVIDE TO US
When using DebtHero.com services, you will be prompted to disclose certain information about yourself and your personal situation. This information will be sent to matching individuals or organizations which will need this information to respond to you. You promise that you will only complete a quote request for yourself. You promise that you are at least 18 years of age. You promise that all information you provide will be accurate, current and truthful to the best of your knowledge. If you provide any information that is untrue, not current or incomplete, or DebtHero.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, DebtHero.com has the right to refuse you any current or future use of the DebtHero.com services. You are responsible for any use of the DebtHero.com services by persons to whom you intentionally or negligently allow access to your password. Your acceptance of these Terms of Service indicates that you expressly consent to our use and disclosure of your personal information in accordance with our PRIVACY POLICY.

5. YOUR USE OF DEBTHERO.COM CONTENT
DebtHero.com also provides content including but not limited to text, software, photographs, graphics, data, and other material ("Content") that are protected by copyright and other laws in both the United States and elsewhere. The Content includes both content owned or controlled by the DebtHero.com and content owned or controlled by third parties and licensed to DebtHero.com. DebtHero.com authorizes you to view and download a single copy of the Content on the site solely for your personal, non-commercial use. You may not sell or modify the Content or reproduce, display, publicly perform, distribute, or otherwise use the Content in any way for any public or commercial purpose without the written permission of DebtHero.com. As a condition of your use of this site, you warrant that you will not use this site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.
Use of DebtHero.com Content for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

6. LINKS TO THIRD PARTY SITES
There are links in the DebtHero.com web site that will let you leave DebtHero.com's web site. The linked sites are not under the control of DebtHero.com and DebtHero.com is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. DebtHero.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by DebtHero.com of the site.

7. UPGRADES, SUPPORT AND NOTICES
From time to time, DebtHero.com may send you information and offers about upgrades, documentation, special announcements and other services offered by DebtHero.com. You acknowledge and agree that DebtHero.com has the right to do so. If you do not wish to receive these communications, you can choose to opt out of these communications by changing your notification preferences as described in our PRIVACY POLICY. Notwithstanding the foregoing, under no circumstances will DebtHero.com or any of its individuals or organizations have any obligation to provide you with upgrades, enhancements, modifications, or support for the Services provided. You understand and agree that it is your responsibility to inform DebtHero.com of your choice not to receive emails or other contact from it. If you do not, DebtHero.com will assume that you want to receive such, and will continue to send such to you, in its sole discretion.

8. NO WARRANTIES
DebtHero.com does not fully evaluate any company, organization, or individual, or their respective offers, that are accessible through this Web Site. While we use some care in selecting our associates and affiliates, we make no express or implied warranties or representations, nor are we liable for direct, indirect or consequential damages arising in connection with respect to the programs, services or any products accessed through this Web Site.
Any financial or other relationship entered into between you and any third party that arose from information received or accessed through this Web Site or DebtHero.com is solely between you and the third party. DebtHero.com is not a party to your agreements and you assume sole liability for any such agreements.
THE WEB SITE, INCLUDING ALL CONTENT MADE AVAILABLE ON OR ACCESSED THROUGH THE WEB SITE, IS PROVIDED "AS IS". TO THE FULLEST EXTENT PERMISSIBLE BY LAW, DEBTHERO.com MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE WEB SITE. FURTHER, DEBTHERO.com DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. DEBTHERO.com DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. DEBTHERO.com SHALL NOT BE LIABLE FOR THE USE OF THE WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. IN NO EVENT WILL DEBTHERO.com BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, COSTS OF COVER, EXEMPLARY, PUNITIVE, PERSONAL INJURY/WRONGFUL DEATH, SPECIAL, INCIDENTAL, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES REGARDLESS OF WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
If any part of these warranty disclaimers or limitations of liability is found to be invalid or unenforceable for any reason, then our aggregate liability for all claims under such circumstances for liabilities that otherwise would have been limited, shall not exceed the greater of twenty five dollars ($25.00) or the amount paid by you to DebtHero.com for your use of any services.
You agree to indemnify DebtHero.com, and its subsidiaries, affiliates, officers, employees, agents, and co-branders and hold them each harmless from any and all claims or demands, including attorney's fees, made by any third party due to or arising from your use of the DebtHero.com services or connection to the DebtHero.com web site or your violation of the Terms of Service, or arising from your violation of any rights of a third party. The Terms of Service will inure to the benefit of DebtHero.com's successors, assigns and licensees. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. The failure of DebtHero.com to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the DebtHero.com services or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms of Service are for convenience only and have no legal or contractual effect.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and DebtHero.com as a result of this agreement or use of this Web site.

9. GOVERNING LAW
The laws of the State of North Carolina shall govern this Legal Statement. YOU HEREBY EXPRESSLY CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE COURTS LOCATED IN RALEIGH, NORTH CAROLINA FOR ALL MATTERS ARISING IN CONNECTION WITH THIS LEGAL STATEMENT OR YOUR ACCESS OR USE OF THE WEB SITE OR THE DEBTHERO.COM SERVICES.

10. INTERNATIONAL ACCESS
Our Web Site is provided from the United States of America and all servers that make it available reside in the U.S.A. The laws of other countries may differ regarding the access and use of the Web Site. We make no representations regarding the legality of this Web Site in any other country and it is your responsibility to ensure that your use complies with all applicable laws outside of the U.S.A.
This agreement constitutes the entire agreement between you and DebtHero.com with respect to this site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and DebtHero.com with respect to this site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

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